How do I challenge a debt collection agency on the phone?

To challenge a debt collection agency on the phone, you must take steps to protect your rights. In New Mexico, a debt collector must abide by the Fair Debt Collection Practices Act that makes it illegal for them to engage in unfair and abusive behavior. First, you should make sure that the debt collector is legitimate and that they have the right to collect the debt. You can do this by asking them to provide you with written validation of the debt, which must include the amount of the debt, the name and address of the original creditor, and a statement that the debt collector is attempting to collect the debt. You can also challenge a debt collector if they’ve engaged in prohibited behavior, such as calling repeatedly or using inappropriate language. If you document these instances, you can challenge the debt collector on the phone by citing the New Mexico Collection Defense Law. If the representative does not comply with your requests or if the debt collector continues to engage in prohibited activity, you can file a complaint with the state Attorney General or hire a consumer protection attorney to make a case against them. In New Mexico, you have the right to defend yourself against collection agencies that are trying to collect a debt. You have the right to ask questions and challenge them on the phone if necessary. By taking the necessary steps, you will be taking control of your situation and protecting your rights.

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How do I challenge a debt collection agency on the phone?

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